Meet Stephanie Karulas
Ontario-focused mortgage guidance with clear explanations, steady communication, and options that fit your goals.
Who I Help
First-Time Buyers
Guidance through your first purchase with clear explanations of programs, down payment options, and the step-by-step process.
Self-Employed
Tailored documentation strategies for business owners, contractors, and freelancers with variable income.
Growing Families
Support for upsizing, refinancing for renovations, or accessing equity for life changes.
Downsizers
Options for simplifying your living situation while optimizing your financial position.
Debt Consolidation
Exploring refinance or second mortgage strategies to consolidate high-interest debt into manageable payments.
Investment Properties
Financing guidance for 1-4 unit rental properties with rental income treatment and cash flow planning.
Reverse Mortgages (55+)
Educational support for homeowners 55+ considering reverse mortgages to access home equity.
My Approach
Clarity & Options
Plain-English breakdowns of programs and trade-offs so you understand your choices without jargon or pressure.
Planning & Communication
Timelines, document coaching, and proactive updates at every stage so you're never left wondering what's next.
Ontario Network
Coordination with your Realtor, appraiser, and solicitor to ensure smooth information flow and timely closing.
My Story
I became a Mortgage Agent because I believe that clear, honest communication makes all the difference when navigating one of life's biggest financial decisions. Too often, people feel overwhelmed by mortgage jargon, uncertain about their options, or unsure who to trust.
My approach is simple: listen first, explain clearly, and provide options that align with your goals—whether you're buying your first home, refinancing to consolidate debt, or planning for retirement with a reverse mortgage.
As a Mortgage Agent Level 1 with Mortgage Architects, I work with clients across Ontario, from Toronto and Mississauga to Hamilton, Ottawa, and beyond. I focus on building long-term relationships, not just transactions, and I'm here to support you through renewals, refinances, and future purchases as your needs evolve.
Outside of mortgages, I value family time, community involvement, and staying current on Ontario's housing market trends and regulatory changes so I can provide the most accurate and relevant guidance.
Fast Facts
- License: Mortgage Agent Level 1 (#M24000537)
- Brokerage: Mortgage Architects (#12728)
- Office: 5675 Whittle Road, Mississauga, ON L4Z 3P8
- Phone: 647-200-2246
- Email: mortgages@stephaniekarulas.com
- Service Areas: All of Ontario (Toronto, Mississauga, Hamilton, Ottawa, and beyond)
What to Expect
Friendly Discovery Call
We discuss your goals, timeline, and current situation to determine the best path forward.
Tailored Documents Checklist
I provide a personalized list of documents needed based on your employment type and property.
Budget & Payment Planning
We review affordability, down payment options, and monthly payment scenarios.
Options Review
I present mortgage options with clear pros and cons in plain language, covering Canadian terms and conditions.
Conditions & Signing
I coordinate with your solicitor to ensure all conditions are met and documents are signed on time.
Post-Fund Check-In
After closing, I follow up to ensure everything went smoothly and discuss renewal planning for the future.
My Values
Transparency
Clear explanations of terms, costs, and trade-offs without hidden surprises.
Respect
Every client's situation is unique and deserves personalized attention and care.
Education
Empowering you with knowledge so you can make confident, informed decisions.
Timeliness
Proactive communication and timely responses to keep your process on track.
Privacy & Security
Strict adherence to Canadian privacy laws and secure handling of your information.
Accessibility
Available by phone, email, or text based on your preference and schedule.
Serving Ontario Communities
I work with clients across Ontario, providing mortgage guidance tailored to local market conditions and regional considerations. Whether you're in the Greater Toronto Area or beyond, I'm here to help.
Client Feedback
Client feedback coming soon
I'm building relationships with clients across Ontario and look forward to sharing their experiences here.
Refer a FriendMedia & Press Kit
For media inquiries, please email mortgages@stephaniekarulas.com
Frequently Asked Questions
Let's Start the Conversation
Ready to explore your mortgage options? Fill out the form below and I'll reach out within one business day.
Explore Mortgage Solutions
Book Your Free Consultation
Schedule a time that works for you. Let's discuss your mortgage goals and find the best solution for your situation.
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